+ Debt Management and Calculators – Hobart and William Smith Colleges \

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Financial Aid

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Debt Management and Calculators

Websites for Federal Loan Borrowers
StudentAid.gov is the Federal Student Aid site where federal loan borrowers may go to complete master promissory notes, entrance counseling or exit counseling sessions, use repayment calculators, and review repayment plans.

You can keep track of your federal loan borrowing history, how much interest has accrued on your loans to date, and find your loan servicer’s contact information on the National Student Loan Data System (NSLDS).

StudentAid.gov provides everything you need to know about federal aid as students and families are preparing for college and continuing through post-enrollment loan repayment.

Federal Loan Consolidation
A Direct Consolidation Loan allows the borrower to combine (their own) multiple federal education loans into one loan. Federal loan servicers do not offer consolidation of federal and private education loans together. Learn what you need to know to determine whether or not you want to consolidate your federal loans.

Federal Loan Forgiveness
In certain situations you can have your federal student loan forgiven, canceled, or discharged, which means you are no longer expected to repay your loan. Click here for information about types of loan forgiveness, including Public Service Loan Forgiveness and Teacher loan forgiveness and loan cancellation, and find out if you qualify.




Financial Fitness Tools

Manage your money; Understand your income, debt, how to save and budget your money.

Annual Credit Report; Federal law allows you to get a free copy of your credit report annually. This enables you to ensure all information on your credit report is accurate and up-to-date so you may resolve any potential issues immediately. Any federal and/or private loans you have borrowed will be listed on your credit report.

Repayment Estimator; Log in to this Federal Student Aid site to calculate your monthly payments based on your actual federal loan information, or you may proceed without logging in and enter figures manually.

Student Loan Calculator; Enter the amounts you have borrowed or expect to borrow each year in federal and/or private education loans to estimate your monthly payments.

Expected Family Contribution Calculator; Students and families enter information into this 5-step calculator which determines their expected contribution toward the cost of college.